unpaid fees - barclays basic account

mandy14

Hello.

My husband has just been charged unpaid fees from a company taking money off his debit card.

Barclays have told him that the charge policy have changed and they can now charge people on benfits when last year it was unlawful to do this.

Is this now the case that they can charge anybody?


We have had no letters about this as the bank have 2 addresses on his account and noone has changed it following id being shown.

meer53

It's not unlawful to charge people who are on benefits. It never has been.

What do you mean by "unpaid fees" ? Do you mean fees because a payment has taken your husband over his overdraft limit ?

grumbler

meer53 wrote: »

What do you mean by "unpaid fees" ? Do you mean fees because a payment has taken your husband over his overdraft limit ?

Charges if you try to make a payment without having enough money

These are charges you can avoid by planning and by managing your account carefully.

When you ask us to make a payment, you must have the money (including any available overdraft, Emergency Borrowing or any buffer we give you) in your account to cover the payment at 3 pm on the day the money is due to go out.
If we refuse the payment because you do not have the money to cover it, then we'll charge you an Unpaid Transaction Fee of £ 8 per day for our service of considering the requested payment and, where necessary, dealing with the other bank.
Fee Amount
Unpaid Transaction Fee £ 8 per day

You will not be charged more than one Unpaid Transaction Fee in any one working day no matter how many items are returned unpaid. This fee does not apply to Young Person's Accounts or BarclayPlus Accounts.

Current accounts - our bank charges explained

mandy14 wrote: »

My husband has just been charged unpaid fees from a company taking money off his debit card.

I don't understand what "from a company" means as it was the bank that charged your husband.

meer53

grumbler wrote: »

Current accounts - our bank charges explained
I don't understand what "from a company" means as it was the bank that charged your husband.

From Barclays website :

Unpaid Transaction Fee :
When you don't have enough money in your account and we return something as unpaid

As debit card payments can't be returned, the OP must be referring to a standing order or a direct debit payment.

jonesMUFCforever

meer53 wrote: »

From Barclays website :

Unpaid Transaction Fee :
When you don't have enough money in your account and we return something as unpaid

As debit card payments can't be returned, the OP must be referring to a standing order or a direct debit payment.

Not a CPA on a card?
Charges could be fees for an unauthorised overdraft.

grumbler

jonesMUFCforever wrote: »

Charges could be fees for an unauthorised overdraft.

In this case it would be a paid transaction.

mandy14

Payment being requested off debit card not direct debit.

Does this still apply?Section 187 of the Social Security Administration Act 1992

There is an Act of Parliament which over-rides banks taking charges from your account if you are in receipt of any of the following benefits.

• Income Support
• Tax Credits
• Child Benefit
• Job seekers allowance
• Incapacity benefit
• Disability living allowance
• Attendance Allowance
• CSA payments
• Other DWP payments

These social security benefits are granted to stop hardship and are designed to meet basic day to day needs, and are exempt and are protected under the Social Security Administration Act 1992 sub section 187. from arrestment in terms of section 187 of the Social Security Administration Act 1992 (see Enforcement of Civil Obligations in Scotland, Scottish Executive report, at paragraph 5.245).

Section 45 of the Tax Credits Act 2002 Chapter 21 part 1 is an identical provision to the said section 187 of the 1992 Act. This stipulates that the banks can not apply any charges to money received as benefit, and any such charges are unlawful and therefore disallowed.

If you have any bank charges and in receipt of these benefits - write to your bank asking for your charges back.

mandy14

We have income support child benfit child tax carers allowance and kids dla going into account

suicidebob

I think you need to phrase your question in a language people understand

grumbler

mandy14 wrote: »

Does this still apply?Section 187 of the Social Security Administration Act 1992

There is an Act of Parliament which over-rides banks taking charges from your account if you are in receipt of any of the following benefits.

• Income Support
• Tax Credits
• Child Benefit
• Job seekers allowance
• Incapacity benefit
• Disability living allowance
• Attendance Allowance
• CSA payments
• Other DWP payments

Are you saying that anyone receiving, say, Child Benefit can't be charged? This makes no sense really.

MSE article: Bank Charges Reclaiming

GingerFurball_2

mandy14 wrote: »

Payment being requested off debit card not direct debit.

Does this still apply?Section 187 of the Social Security Administration Act 1992

There is an Act of Parliament which over-rides banks taking charges from your account if you are in receipt of any of the following benefits.

• Income Support
• Tax Credits
• Child Benefit
• Job seekers allowance
• Incapacity benefit
• Disability living allowance
• Attendance Allowance
• CSA payments
• Other DWP payments

These social security benefits are granted to stop hardship and are designed to meet basic day to day needs, and are exempt and are protected under the Social Security Administration Act 1992 sub section 187. from arrestment in terms of section 187 of the Social Security Administration Act 1992 (see Enforcement of Civil Obligations in Scotland, Scottish Executive report, at paragraph 5.245).

Section 45 of the Tax Credits Act 2002 Chapter 21 part 1 is an identical provision to the said section 187 of the 1992 Act. This stipulates that the banks can not apply any charges to money received as benefit, and any such charges are unlawful and therefore disallowed.

If you have any bank charges and in receipt of these benefits - write to your bank asking for your charges back.

Your bank may allow you to withdraw the cash sum of those benefits; it doesn't mean that you're not allowed to be charged.